When I opened it, I found a letter offering me a fixed lower interest rate on a refinance. Here's the kicker: the letter said I don't have to have my house appraised and I don't have to pay any processing fees or closing costs. In fact, I don't have to pay anything. Since it already holds my mortgage, my bank is waiving all of the normal fees and costs. I know, I know. It sounds too good to be true.
Well, I called the bank this morning. I was on the phone with them for close to half an hour. I asked tons of questions, and, by the time I hung up the phone, I had a new mortgage in the works. My mortgage payment is dropping by close to a hundred bucks. I did a little jig of celebration when I got off the phone.
Now, I sitting here at my laptop, second-guessing my decision. I've found no reason to doubt the good fortune of this refinance. It's just my nebbishy, Woody Allenishy nature. I tend to look for the dark cloud of every silver lining. I need just to be happy about this opportunity. Think of it as answered prayer.
I'm going for a run tonight while my daughter is at dance rehearsal. I'm feeling good about myself and my life right now.
Maybe Saint Marty is turning over a new leaf...Nope. Saint Marty is still looking for that dark cloud.
|Call me Saint Nebbish|